The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$130,555
−HK$8,187/mo
▼ 0.25% · 3.875%
HK$134,616
−HK$4,126/mo
Today · 4.125%
HK$138,742
baseline
▲ 0.50% · 4.625%
HK$147,185
+HK$8,443/mo
Deposit HK$28.63M · loan HK$28.63M · min. income ≈ HK$277,484/mo (50% DSR)
Upfront cash ≈ HK$31.06M (deposit + AVD stamp duty HK$2,433,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,242
−HK$7,847/mo
▼ 0.25% · 3.875%
HK$149,137
−HK$3,952/mo
Today · 4.125%
HK$153,089
baseline
▲ 0.50% · 4.625%
HK$161,158
+HK$8,069/mo
Deposit HK$28.63M · loan HK$28.63M · min. income ≈ HK$306,178/mo (50% DSR)
Upfront cash ≈ HK$31.06M (deposit + AVD stamp duty HK$2,433,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,666
−HK$9,825/mo
▼ 0.25% · 3.875%
HK$161,540
−HK$4,951/mo
Today · 4.125%
HK$166,491
baseline
▲ 0.50% · 4.625%
HK$176,621
+HK$10,130/mo
Deposit HK$22.90M · loan HK$34.35M · min. income ≈ HK$332,982/mo (50% DSR)
Upfront cash ≈ HK$25.34M (deposit + AVD stamp duty HK$2,433,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,290
−HK$9,416/mo
▼ 0.25% · 3.875%
HK$178,964
−HK$4,742/mo
Today · 4.125%
HK$183,706
baseline
▲ 0.50% · 4.625%
HK$193,390
+HK$9,684/mo
Deposit HK$22.90M · loan HK$34.35M · min. income ≈ HK$367,412/mo (50% DSR)
Upfront cash ≈ HK$25.34M (deposit + AVD stamp duty HK$2,433,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,778
−HK$11,461/mo
▼ 0.25% · 3.875%
HK$188,463
−HK$5,776/mo
Today · 4.125%
HK$194,239
baseline
▲ 0.50% · 4.625%
HK$206,058
+HK$11,819/mo
Deposit HK$17.18M · loan HK$40.08M · min. income ≈ HK$388,478/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$2,433,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,338
−HK$10,986/mo
▼ 0.25% · 3.875%
HK$208,792
−HK$5,532/mo
Today · 4.125%
HK$214,324
baseline
▲ 0.50% · 4.625%
HK$225,621
+HK$11,297/mo
Deposit HK$17.18M · loan HK$40.08M · min. income ≈ HK$428,648/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$2,433,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,000
−HK$14,736/mo
▼ 0.25% · 3.875%
HK$242,310
−HK$7,426/mo
Today · 4.125%
HK$249,736
baseline
▲ 0.50% · 4.625%
HK$264,932
+HK$15,196/mo
Deposit HK$5.73M · loan HK$51.53M · min. income ≈ HK$499,472/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$2,433,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,435
−HK$14,124/mo
▼ 0.25% · 3.875%
HK$268,446
−HK$7,113/mo
Today · 4.125%
HK$275,559
baseline
▲ 0.50% · 4.625%
HK$290,084
+HK$14,525/mo
Deposit HK$5.73M · loan HK$51.53M · min. income ≈ HK$551,118/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$2,433,325 · Scale 2, in force from 26 Feb 2026)